It is about 3 weeks past opening of the semester and somewhere you are still contemplating returning to school. The class representative is already troubling your inbox with messages of course registration, choosing “electives” and whatnot.
Your last batch of HELB loan came about a year ago in the first semester of 3rd year, and you spent it in some way you’d be haunted if asked to account for it. So you have to think twice, thrice and four times before reporting.